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Invest in Your Dream

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Invest in your dream, not the money. Chase your dream not paper.  Everyone has a different take on the definition of being rich.  Most of us know in order to “get rich” it requires pure passion and hard work. It is passion itself that makes one’s wealth. However, not everyone understands, some people are unable to recognize the meaning and have a false representation of what it means to be rich. Be wealthy, not rich. Make sacrifices. Find your passion. Happiness is at the end of the tunnel. Don’t chase money. Money should not be the core of your goal, it should be the idea of your success. Hard work and passion will bring you success and your success is what will lead to your wealth. Understand the order and realize the end goal. Your ambition is what will separate you from being “rich” and actually make you wealthy. Know what you want now and go after it, the benefits will come later. Take the risk, that is what makes the difference between you and other people. Success comes from dream seekers not cash chasers. You won’t get rich if you just see $$$ signs. Financial success can be a…

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Less is More

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Do you have too much going on?  Do you feel like a hot mess?  Is your life filled with too much stuff?  So many of us live life with a lot of stuff and we know it. You can feel the load and stress of your own clutter. We are tired of cleaning, managing and organizing our chaotic lifestyle. Our rooms are messy, drawers won’t close, closets are disarray, and our garages are filled with everything, but our cars. The evidence of our own clutter is surrounding us. As our clutter constantly continues to grow we are slowly suffocating ourselves. It distracts us from what we should be focusing on and the things we need to be taking care of in our lives. We lose our passion and potential to excel when we don’t have things in order. We should be using our resources rather than letting them take over our lives. You don’t need everything. Live a better life with less. Try it out.  •  Recognize •  Realize how all the stuff you own keeps you from pursuing your dreams •  Create craft •  Experience the joys of generosity •  Learn We can recognize the things we don’t need and…

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Stop Settling

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LOW-INCOME LIFESTYLE Are you settling for a low income lifestyle?  Many of us lead a low-income lifestyle with not much breathing room. Some of us have student loan debt, credit card debt, past due bills, other types of loans and things we need to pay off. When we run out of money, it’s gone — there’s no reserve ready. We may not be at the poverty level, but we literally live paycheck to paycheck. We live a low-income lifestyle, we don’t go on extraordinary vacations, weekend getaways, elegant dinners or have the newest technology. We use what we have until it is literally done, we avoid shopping and eat at home whenever possible. Sometimes we get bored and tend to get out of control which causes us to rack up more debt. It takes a while to really adjust and slow down. Until you “slow your roll,” you will not find the time to get rid of your debt and live the life you dream about all the time. No one wants to live a debt and stress filled life. Sweat the small stuff Walk or ride your bike whenever possible Pack food  Get rid of cable Use Coupons Be…

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How to Make More Money

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Do you have extra time on your hands? Do you want or need a second income?  If you have the time or you can make the time, then you can always find ways to make more money. You just have to find your inner side business. You don’t have to be creative, you just need to dig a little and put in a little extra effort. We all have qualities that someone else might be able to use or need. Figure out what you are good at it or what you have that someone else might need. Figure out how much money you need Make a list of all your assets Think of ways to use your assets to produce an income Find out if people would pay for your idea Test your idea Invest in your idea/project if it proves to be possible Work at it and make it happen Become successful at your new source of money and get wealthy from it Continue to educate yourself and keep an open mind when it comes to making money. It’s important that you continue to learn about money and how to use it in your life. So many of us really don’t…

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Strong Financial Foundation

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Do you have a strong financial foundation?  Are you smart with your money?  Spend less than you earn, widen the gap between spending and earning. Spend less, cut your spending and do not make unnecessary purchases. Cut back on the things that don’t matter to you in order to afford the things that are important to you. Earn more, increase your earnings from work. Move up in your career or get a second job. You may also thing about a side business. Question every dollar you spend, be critical of the money you spend and what you are spending it on. Essentially it will turn into budgeting because you are evaluating the money you are spending. Do not spend without a reason as in don’t spend any money without an honest good reason. Cut out the dumb reasons to spend money. If you have debt, eliminate it.  Build a debt repayment plan Debt negatively impacts your cash flow constantly If you don’t have debt, then you should invest Start planning for your future and your goals Build possibilities and give yourself options for your future Secure your retirement Know what you need to save Consistently strive and work on your…

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Emergency Fund

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Are you prepared for the unexpected?  Do you have an emergency fun?  Sometimes life happens and we aren’t ready for it, that’s life.  It can negatively affect us financially depending on the series of events. We all get bombarded with different circumstances including losing our job, death, illness and unexpected incidences in life. In order to make it through these life changes we have to anticipate the inevitable. We should have an emergency fund we can access when the unfortunate cards are dealt our way. This way we are protected in the event something happens. Set some money aside every month Build and maintain an emergency fund Keep your emergency fund in a savings account Do not use or dabble in it unless it is an emergency “A financial emergency is simply a predictable expense that was not predicted.” -P. Christopher Music After you have gone through your crisis and used your financial emergency fund, you need to immediately start to rebuild. Create a plan moving forward and remember what that emergency fund did for you in your time of need.  Take a step in the right direction and give yourself the gift of financial security. Carefully assess your life…

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Don’t Let Money Control You

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Keep Calm and Don’t Shop Are you an impulse shopper? Do you have an online shopping problem?  Online shopping has its benefits and it can save you money, but it can also become a problem for some of us “big spenders.” If you can’t control yourself and spend too much money online you need to explore your options. Take action and get rid of your bad spending habits. Unsubscribe. Don’t sign up for any store emails and deals. These emails are great, but only if you have the self-control about what you buy and how much you spend. Without self-control, daily deal emails are just going to convince us and give us the urge to shop, shop, shop. Do not save payment details. This is convenient, but once again if you don’t have self-control it is just going to empty your bank account. Extra steps to every purchase is helpful, makes you think more about what you’re buying. Use debit, not credit. Don’t spend money you don’t have. You won’t have to worry about consumer debt. Put a cap on your spending. Give yourself an allowance for each month. Once you spend this allowance you’re not allowed to make anymore purchases…

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Identify and Plan

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GOT A PLAN? Do you ever feel overwhelmed with personal debt? Would you benefit from adding a financial plan to your life? When you have different sources of debt it can often become hard to keep track of your debt. Financial planning is the long-term proactive process of wisely managing your finances to help achieve your goals and dreams, while at the same time negotiating the financial barriers that will eventually arise in every stage of life. Remember, financial planning is a process, not a product. Figure out what you owe and who you owe. Find out how much the interest from your debt is costing you Credit reports can help you identify your debt Contact the lenders on your credit report and find out what you owe Organize your debt into -lender, amount owed and interest rate Pay off your debt Budget Focus on your unique situation, and work towards positive results for your specific circumstance. The success of your financial life is the sole objective.  In complicated times, the need is greater than ever to have confidence that you are focused and pointed in the right direction. Your strategy will show you how you’ll achieve success, no matter…

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Supplement Your Income

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Do you need to supplement your income? Earning income doesn’t have to stop at your salary or day job. Extra money can be the backbone to your budget when you’re in a rough spot financially. When you do side work, you give yourself room and freedom to entertain other interests in your life financially. You gain extra income to put towards other bills that you normally can’t pay often. Having a side job can also add fun and excitement to your life. Takes you out of your routine and allows you to change your pace of life a little bit. Start simple Network -let people know you need extra work Develop new skills -try new things and learn Go outside of your comfort zone Always be thankful when someone gives you work Stay open minded Having more than one income will positively impact your finances. Extra income each month can go a long way to paying off a debt or increasing an investment. Extra income is always valuable to you and your wallet. There are endless possibilities to make more money. The only limit you set is in your own head. Most people don’t even really like what they do for a…

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Hold Onto Your Money

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Having trouble keeping your money in your pockets? Some of us run out of money too fast. When you’re living paycheck to paycheck, it can be extremely hard to get yourself in a good spot, but it’s possible. If you start to make few changes to your daily spending habits, you’ll start to have more money in your pockets. Start to realize your worth hourly. Quit the impulse purchases. Every time you want to buy something, think to yourself “How much time would I need to work to pay for this?” Change habits to once in a while. Instead of getting a coffee everyday, maybe visit Starbucks once or twice a week, the rest of the week brew coffee at home. You still get to enjoy it just every once in a while rather than all the time. It will hurt your pockets less. Time off doesn’t get you paid. If you are offered overtime, take it. Think about it, you are probably just going to go home and sit on the couch for the evening anyway. Don’t lose potential money. You may have missed opportunities in the past, but don’t disregard future opportunities that you still have the chance to take…

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